The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,671
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,035
−HK$368/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,158
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,806/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,984
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,333
−HK$353/mo
Today · 4.125%
HK$13,686
baseline
▲ 0.50% · 4.625%
HK$14,407
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,372/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,006
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,441
−HK$443/mo
Today · 4.125%
HK$14,884
baseline
▲ 0.50% · 4.625%
HK$15,790
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,768/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,581
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,999
−HK$424/mo
Today · 4.125%
HK$16,423
baseline
▲ 0.50% · 4.625%
HK$17,289
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,846/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,340
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,848
−HK$517/mo
Today · 4.125%
HK$17,365
baseline
▲ 0.50% · 4.625%
HK$18,421
+HK$1,056/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,730/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,178
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,666
−HK$494/mo
Today · 4.125%
HK$19,160
baseline
▲ 0.50% · 4.625%
HK$20,170
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,320/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,009
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$664/mo
Today · 4.125%
HK$22,326
baseline
▲ 0.50% · 4.625%
HK$23,685
+HK$1,359/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,652/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,372
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,999
−HK$636/mo
Today · 4.125%
HK$24,635
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,298/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,270/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,166 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).